DB:OHH

Stock Analysis Report

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Executive Summary

PT Panin Financial Tbk provides business consulting, management, and administration services to the general public in Indonesia. More Details

Rewards

Trading at 73.7% below our estimate of its fair value

Risk Analysis

No risks detected for OHH from our risk checks.


Snowflake Analysis

Flawless balance sheet and undervalued.

Share Price & News

How has Panin Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: OHH has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

OHH

0.1%

DE Insurance

-1.9%

DE Market


1 Year Return

-53.6%

OHH

-23.1%

DE Insurance

0.2%

DE Market

Return vs Industry: OHH underperformed the German Insurance industry which returned -23.1% over the past year.

Return vs Market: OHH underperformed the German Market which returned 0.2% over the past year.


Shareholder returns

OHHIndustryMarket
7 Day0%0.1%-1.9%
30 Day18.2%0.3%1.5%
90 Day8.3%-11.0%-0.5%
1 Year-53.6%-53.6%-18.8%-23.1%3.4%0.2%
3 Year-35.0%-35.0%4.4%-9.2%-0.2%-9.0%
5 Year-35.0%-35.0%35.2%7.3%21.4%4.0%

Price Volatility Vs. Market

How volatile is Panin Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Panin Financial undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: OHH (€0.01) is trading below our estimate of fair value (€0.02)

Significantly Below Fair Value: OHH is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: OHH is good value based on its PE Ratio (3.4x) compared to the DE Insurance industry average (10.1x).

PE vs Market: OHH is good value based on its PE Ratio (3.4x) compared to the German market (22.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate OHH's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: OHH is good value based on its PB Ratio (0.3x) compared to the DE Insurance industry average (0.9x).


Next Steps

Future Growth

How is Panin Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

15.2%

Forecasted Insurance industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Panin Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Panin Financial performed over the past 5 years?

14.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: OHH has high quality earnings.

Growing Profit Margin: OHH's current net profit margins (56.3%) are higher than last year (38.6%).


Past Earnings Growth Analysis

Earnings Trend: OHH's earnings have grown by 14.1% per year over the past 5 years.

Accelerating Growth: OHH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: OHH had negative earnings growth (-8.6%) over the past year, making it difficult to compare to the Insurance industry average (-12.4%).


Return on Equity

High ROE: OHH's Return on Equity (7.7%) is considered low.


Next Steps

Financial Health

How is Panin Financial's financial position?


Financial Position Analysis

Short Term Liabilities: OHH's short term assets (IDR8,258.8B) exceed its short term liabilities (IDR2,972.5B).

Long Term Liabilities: OHH's short term assets (IDR8,258.8B) exceed its long term liabilities (IDR1,013.0B).


Debt to Equity History and Analysis

Debt Level: OHH is debt free.

Reducing Debt: OHH has not had any debt for past 5 years.

Debt Coverage: OHH has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: OHH has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Next Steps

Dividend

What is Panin Financial current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate OHH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate OHH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if OHH's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if OHH's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of OHH's dividend in 3 years as they are not forecast to pay a notable one for the German market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

10.8yrs

Average board tenure


CEO

Lianna Limanto (64 yo)

5.75yrs

Tenure

Ms. Lianna Loren Limanto has been the President Director at PT Panin Financial Tbk (formerly, Panin Life PT Tbk) since 2015 and serves as an Independent Director. Ms. Limanto is handling the management of ...


Board Members

NamePositionTenureCompensationOwnership
Lianna Limanto
Independent President Director5.75yrsno datano data
Marwan Noor
Corporate Secretary & Director10.75yrsno datano data
Suwirjo Josowidjojo
Vice President Commissioner17.75yrsno datano data
Mu'min Gunawan
President Commissioner18.75yrsno datano data
Veronika Lindawati
Independent Commissioner3.75yrsno datano data
Bhindawati Gunawan
Vice-President Director10.75yrsno datano data

10.8yrs

Average Tenure

62yo

Average Age

Experienced Board: OHH's board of directors are seasoned and experienced ( 10.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

PT Panin Financial Tbk's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PT Panin Financial Tbk
  • Ticker: OHH
  • Exchange: DB
  • Founded: 1974
  • Industry: Life and Health Insurance
  • Sector: Insurance
  • Market Cap: Rp6.180t
  • Listing Market Cap: Rp355.466m
  • Shares outstanding: 32.02b
  • Website: https://www.paninfinancial.co.id

Number of Employees


Location

  • PT Panin Financial Tbk
  • Panin Life Center
  • 7th Floor
  • Jakarta
  • Jakarta Raya
  • 11420
  • Indonesia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PNLFIDX (Indonesia Stock Exchange)YesOrdinary SharesIDIDRJan 1992
OHHDB (Deutsche Boerse AG)YesOrdinary SharesDEEURJan 1992

Biography

PT Panin Financial Tbk provides business consulting, management, and administration services to the general public in Indonesia. The company also offers information technology and management information sy ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/25 20:50
End of Day Share Price2020/10/23 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.